Health Insurance for New Born Baby
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What is Health Insurance for Baby?
Health insurance for a newborn is essentially a tailored cover to secure your baby's health right from birth. It covers a baby's very basic medical needs, including vaccinations, routine check-ups, treatment for emergencies, and hospitalisation. Usually, parents can add the newborn to their existing family floater policy or choose a health plan that specifically covers children.Â
This insurance is necessary to ensure you can get your little one proper and prompt quality medical treatment without worrying about the money. It represents an important and wise step toward giving your baby a healthy and worry-free start.
What is the Importance of Health Insurance for Newborn Baby?
Newborns are sensitive and will need constant medical care during the first few months of life. Here are a few points why it is important to have health insurance for your newborn:
High-risk Factors for Early Months
Newborns are much more vulnerable to infections, febrile illnesses, and jaundice and may even present with congenital complications. Early protection can reduce these risk factors.
Unexpected Medical Expenses
Just a few short days or weeks in the NICU, diagnostic tests, blood tests, and vaccinations can add up, costing parents ₹50,000 or more in the first few months of life alone.
Preventive Care is More Affordable
Insurance allows for timely medical care without the stress of sudden out-of-pocket expenses that could lead to risk and complications and high medical expenses.
Peace of Mind for Parents
Having insurance helps parents focus on the growth and recovery of their newborn child with the assurance that any potential health costs associated with their newborn child are on the insurance and not on them.
Benefits of Getting Health Insurance for Your Newborn
Getting health insurance is important for your newborn, ensuring timely and quality medical care right from birth. Here's why health insurance is a sound investment for all first-time parents:
- Saves on Major Medical Costs: A NICU admission, as well as postnatal pediatric care, can cost thousands from the time of delivery for even a brief stay in a hospital. With insurance, you could claim on the policy for most of them.
- Includes Vaccinations: Some health insurance policies even cover scheduled vaccinations during your baby's first year. It also saves new parents the inconvenience and associated recurring costs of timing baby care services.
- Covers Congenital Disabilities: Some plans cover congenital disabilities like heart defects or disabilities affecting the neurological system. Insurance will shield you from the cost of these contingencies.
- Tax Benefits: Premiums paid for health cover for newborns are tax-deductible under Section 80D. This makes it easier for you to save on income tax while also protecting your newborn's health.
Why Choose Digit Health Insurance for Your Newborn?
Key Benefits of Health Insurance Plans by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
*Â These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal
Things to Look for While Buying Health Insurance for a Newborn
Prior to finalising a policy, it is beneficial to grasp how different features and limitations will have an impact on your newborn's cover. Here are the key areas to look into when selecting a health plan or upgrading an existing plan:
- Day 1 cover vs 90-day Wait: Some plans will begin cover at birth, while some plans start cover at 30, 60, 90 days, etc. Obtain a Day 1 policy if you want to be covered for complications that can occur in the first few days after birth.
- NICU & Hospitalisation: Confirm if the policy covers NICU expenses and if extended hospital stays are covered. Be advised that some plans may have sub-limits, so get confirmation on this one so you are fully protected against any complications after birth.
- Vaccinations: Check whether the policy covers scheduled vaccinations in the first year. This could significantly reduce your out-of-pocket expenses since vaccinations are a common part of early health care.
- Congenital Conditions: Most policies exclude congenital diseases, like heart defects, cleft palate, or genetic disorders. Check if your plan covers congenital conditions since they would most commonly require an intervention soon after birth, which ensures financial backup.
- Premiums and Costs: Adding a newborn may increase your total sum insured as well as the premium you pay. Check if the copayment or deductible terms also change. Plan your budget to accommodate these new costs without breaking continuity in cover.
With continual increases in medical expenses and the increased value of early and timely care, obtaining health insurance for your new baby is not only wise, it is essential. Whether you will add your child to an existing policy or you are looking for a new policy, health insurance provides peace of mind from day one. Every new beginning deserves protection that is just as strong as the love you have for your new child!
FAQs about Health Insurance for Newborn
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.